Growing Families

Many young parents assume estate planning is something for later in life when they've accumulated more wealth or the kids are grown. The reality is that the most critical time to create an estate plan is right now, while your children are young and fully dependent on you.

Without a plan in place, if the unexpected happens to one or both parents, state laws and a court decide:

• Who will raise your children (potentially someone you wouldn't have chosen)
• How (and when) any money or assets are handled for their benefit
• Who manages daily decisions about their care, education, and well-being

These court processes can be lengthy, expensive, emotional, and may not reflect your values or parenting wishes at all.

Thoughtful estate planning lets you make these decisions ahead of time, giving your family:

Clarity and control — You choose a trusted guardian (or backup guardians) who shares your values and is prepared to step in and provide love, stability, and continuity for your children.

Financial security — You can set up protections so money is managed responsibly for your children's needs—daily living expenses, education, healthcare, and future milestones—rather than being released all at once when they turn 18.

Protection from unnecessary conflict — Clear instructions reduce the chance of family disputes and keep the focus on your children's well-being during an already difficult time.

Peace of mind — Knowing your family is protected no matter what happens lets you focus on enjoying the present—watching your kids grow, building memories, and living life, without the background worry.

Estate planning isn't about preparing for the worst; it's about actively protecting what matters most: your children's safety, care, and future. It's one of the most loving and responsible steps you can take as a parent.